The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$14,648
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,103
−HK$463/mo
Today · 4.125%
HK$15,566
baseline
▲ 0.50% · 4.625%
HK$16,513
+HK$947/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,132/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,295
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,732
−HK$444/mo
Today · 4.125%
HK$17,176
baseline
▲ 0.50% · 4.625%
HK$18,081
+HK$905/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,352/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,577
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,124
−HK$555/mo
Today · 4.125%
HK$18,679
baseline
▲ 0.50% · 4.625%
HK$19,816
+HK$1,137/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,358/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,554
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,079
−HK$532/mo
Today · 4.125%
HK$20,611
baseline
▲ 0.50% · 4.625%
HK$21,697
+HK$1,086/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,222/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,507
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,144
−HK$649/mo
Today · 4.125%
HK$21,793
baseline
▲ 0.50% · 4.625%
HK$23,119
+HK$1,326/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,586/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,813
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,425
−HK$621/mo
Today · 4.125%
HK$24,046
baseline
▲ 0.50% · 4.625%
HK$25,313
+HK$1,267/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,092/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,366
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,186
−HK$833/mo
Today · 4.125%
HK$28,019
baseline
▲ 0.50% · 4.625%
HK$29,724
+HK$1,705/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$56,038/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,332
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,118
−HK$798/mo
Today · 4.125%
HK$30,916
baseline
▲ 0.50% · 4.625%
HK$32,546
+HK$1,630/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$61,832/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,366 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).